How Medicare Advantage Part C Plans Work

​You're probably familiar with Original Medicare (Part A and Part B), but you might not know as much about Medicare Advantage (Part C). In this article, we'll explain how Part C works and what benefits it can offer you.

What is Medicare Advantage?
Medicare Advantage is a health insurance plan offered by a private company rather than the government. This kind of plan is also referred to as Part C. Medicare Advantage plans must offer at least the same coverage as Original Medicare (Part A and Part B). 

Still, many plans offer additional benefits, such as prescription drug coverage, dental care, and vision care. Some Medicare Advantage plans even offer wellness programs to help you stay healthy.

What Are the Benefits of Medicare Advantage?
Enrolling in a Medicare Advantage plan has several advantages. Perhaps the most significant benefit is that Medicare Advantage plans often offer more comprehensive coverage than Original Medicare. It can include coverage for dental, vision, and prescription drugs. 

Of course, the benefits of Medicare Advantage will vary from plan to plan, so find one that meets your specific needs.

How to Qualify for a Medicare Advantage Plan?
If you have Plan A and B, you qualify for a Medicare Advantage plan. You can also enroll in a plan if you've recently been eligible for Medicare because of your age or disability.

What Are the Different Types of Medicare Advantage Plans?
Here are the types of Medicare Advantage plans to choose from: 

Health Maintenance Organizations (HMOs)
Except for emergency care, out-of-area urgent care, and temporary out-of-area dialysis, HMO Plans often require you to receive your treatment and services from physicians, other healthcare professionals, and hospitals inside the plan's network.

Preferred Provider Organizations (PPOs)
PPO plans have hospitals, other medical facilities, and network doctors. Your costs will be lower if you use a doctor, hospital, or another healthcare provider in the insurance plan network.

Private Fee-for-Service Plans (PFFSs)
The policy identifies the fees you must pay for medical services and the amounts the plan will pay to hospitals, doctors, and other healthcare organizations.

Special Needs Plans (SNPs)
Medicare Special Needs Plans (SNPs) cater to the unique requirements of the groups they serve by customizing their benefits, provider options, and prescription formularies.

Each of these plans has different coverage, so choose the one that's best for you. 

Conclusion
If you're eligible for Medicare, you may have the option to enroll in a Medicare Advantage plan. These plans offered typically include additional benefits beyond those covered by Original Medicare. Understanding how it works will help you select the right Medicare Advantage plan that best suits you. 

At Medicare Supplement Store, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (732) 252-8828 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!